Calluna Financial

Calluna Financial At every stage of the home buying process, we'll be there to support you. linktr.ee/CallunaFinance Registered in Scotland: SC490368.

©2024 Calluna Financial.

Calluna Financial is directly authorised by the Financial Conduct Authority to search the whole of market. Calluna Financial: Registered Office: 6 Primrose Street, Alloa, Clackmannanshire, Scotland, FK10 1JG. All Rights Reserved.

There's a question most people never think to ask their broker.Not "what rate can you get me?" but "how many lenders can...
24/06/2026

There's a question most people never think to ask their broker.

Not "what rate can you get me?" but "how many lenders can you actually access?"

Some brokers work from a panel. They have more options than one bank, but less than an independent broker working across the market. Products that are exclusive to independent intermediaries won't show up in their search. And if those products happen to be better suited to your situation, you'll never know you missed them.

Calluna is independent. We search across a wide range of lenders, including many who don't advertise directly, whose products don't appear on comparison sites, and who specifically work with brokers to offer their best rates.

For Scottish buyers, that difference can be meaningful. It's worth asking the question.

callunafinancial.co.uk

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Your home may be repossessed if you do not keep up repayments on your mortgage. Calluna Financial is authorised and regulated by the Financial Conduct Authority.

Six months sounds like a long time. It isn't. Lenders in Scotland let you lock in a new rate up to six months before you...
17/06/2026

Six months sounds like a long time. It isn't.

Lenders in Scotland let you lock in a new rate up to six months before your current deal ends. That window is there for a reason, it's the protection zone. Lock in early, and if rates drop before your switch date, you can often move to the lower one. If they rise, you're already protected.

Wait until the deal has ended and you lose that protection entirely. You land on the standard variable rate and you're shopping under pressure.

If your fixed deal ends any time before the end of 2026, right now is the right time to talk. Until 31 July the advice is free.

callunafinancial.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage. Calluna Financial is authorised and regulated by the Financial Conduct Authority.

Tomorrow's the day. 👇If you've been thinking about buying your first home, or you're not sure where to even start, tomor...
12/06/2026

Tomorrow's the day. 👇

If you've been thinking about buying your first home, or you're not sure where to even start, tomorrow morning in Hamilton is for you.

We're joining Scullion LAW and Scullion LIVING for a free First-Time Buyer Workshop and Advice Day. Come and speak to mortgage advisers, solicitors, and estate agents all in one place, for free, with no pressure.

📍 105 Cadzow Street, Hamilton
📅 Tomorrow: Saturday 13 June, 10am – 1pm
✅ Free to attend

Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The typical fee is £399.

Most people who think their credit is the problem are wrong about why.They assume a missed payment three years ago is di...
10/06/2026

Most people who think their credit is the problem are wrong about why.

They assume a missed payment three years ago is disqualifying. Or that a low score means a flat no. Or that because they've never had credit, they have no chance.

In reality, different lenders weight credit history completely differently. Some are more flexible on older issues. Some will look at the pattern rather than the individual entry. Some are specifically set up for first-time buyers with thin credit files.

The only way to know where you actually stand is to have someone look at your full picture across the whole market, not just the one bank you've been banking with since you were 18.

Until 31 July our advice fee is frozen. No cost to find out what your actual options are.

callunafinancial.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage. Calluna Financial is authorised and regulated by the Financial Conduct Authority.

Say hello to Lucy. 👋After 12 years in banking, Lucy has recently taken the leap into self-employment as a Mortgage & Pro...
09/06/2026

Say hello to Lucy. 👋

After 12 years in banking, Lucy has recently taken the leap into self-employment as a Mortgage & Protection Adviser, and she brings all of that experience with her.

What drives her isn't the paperwork. It's the moment a client finally feels confident and clear about one of the biggest financial decisions of their life. That's what good advice looks like.

Lucy can help with a wide range of mortgage and protection needs, whether you're renewing your rate, buying a new home, looking at additional borrowing, or exploring buy-to-let options.

And when she's not helping clients? You'll find her on long walks with her (very lively) dog, Maggie. 🐾

If you'd like to have a chat about your mortgage or protection needs, Lucy would love to hear from you.

📅 Book a free initial conversation here: https://bit.ly/4uT8JX0

Your home may be repossessed if you do not keep up repayments on your mortgage. Calluna Financial is authorised and regulated by the Financial Conduct Authority.

Your bank knows their products. A broker knows the market.That's not a criticism of banks. It's just how it works. A ban...
06/06/2026

Your bank knows their products. A broker knows the market.

That's not a criticism of banks. It's just how it works. A bank adviser will find you the best deal within their own range - that's their job. But their range has a ceiling. And the deals above that ceiling, from lenders who only work through intermediaries, won't show up in any bank branch.

For some people that gap is small. For others it's the difference between a rate that works and one that doesn't.

It costs nothing to find out which side of that line you're on. Until 31 July, our advice fee is frozen to zero.

callunafinancial.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage. Calluna Financial is authorised and regulated by the Financial Conduct Authority.

Thinking about buying your first home but not sure where to start?We’re teaming up with Scullion LAW and Scullion LIVING...
05/06/2026

Thinking about buying your first home but not sure where to start?

We’re teaming up with Scullion LAW and Scullion LIVING for a free First-Time Buyer Workshop and Advice Day in Hamilton, and you’re invited.

In just one morning you’ll get face-to-face time with mortgage advisers, solicitors, and estate agents all under one roof. No jargon. No pressure. Just honest, practical answers to the questions you’ve been putting off asking.

We’ll be covering:
🏠 Mortgage options and affordability
📋 The conveyancing and legal process
🏡 Preparing to buy or sell in the current market
📝 Wills and Powers of Attorney when purchasing a property

📍 105 Cadzow Street, Hamilton
📅 Saturday 13 June, 10am – 1pm
✅ Free to attend

Whether you’re actively searching, saving for a deposit, or just starting to think about it, this is the kind of morning that moves things forward.

Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The typical fee is £399.

Say hello to Daljit. 👋Based in Stuartfield near Peterhead, Daljit is our Mortgage & Protection Adviser covering Aberdeen...
01/06/2026

Say hello to Daljit. 👋

Based in Stuartfield near Peterhead, Daljit is our Mortgage & Protection Adviser covering Aberdeenshire and the North of Scotland, he's the kind of adviser who actually takes the time to understand your situation before recommending anything.

Whether you're buying your first home, moving, remortgaging, or just want to make sure your family is protected if the unexpected happens, Daljit offers honest, straightforward advice.

Flexible appointment times, home visits available, and support that doesn't stop at completion.

If you're in Aberdeenshire or the North of Scotland, he'd love to have a chat.

📅 Book a free initial conversation here: http://bit.ly/4vjbj8v

Your home may be repossessed if you do not keep up repayments on your mortgage. Calluna Financial is authorised and regulated by the Financial Conduct Authority.

A bank adviser is doing their job properly when they find you the best deal within their own range. That's what they're ...
29/05/2026

A bank adviser is doing their job properly when they find you the best deal within their own range. That's what they're there for.
But their range is their range. It has a ceiling. And what sits above that ceiling, the deals from lenders who only work through intermediaries, the products that don't appear on comparison sites, the rates exclusive to whole of market brokers, is invisible to them.

For some buyers that gap doesn't matter. For others it's the difference between getting a mortgage and not getting one at all.

The only way to know which category you're in is to have someone search the whole market, not just part of it.

Until 31 July, that search is free.

callunafinancial.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage. Calluna Financial is authorised and regulated by the Financial Conduct Authority.

Applications for the First Homes Fund will officially open by the end of June. The scheme offers first-time buyers a £10...
28/05/2026

Applications for the First Homes Fund will officially open by the end of June. The scheme offers first-time buyers a £10,000 contribution toward a deposit on properties worth up to £300,000.

It is an interest-free, shared-equity fund with no monthly payments. The government takes an equity stake in the property, which is simply repaid when you eventually sell it down the line.

With 2,000 households expected to be supported in the first 100 days alone, preparation is key. You will need a mortgage in place to apply, meaning your financial groundwork needs to start now.

Navigating mortgage criteria and property options can feel complicated, but you don't have to figure it out alone. Let’s get you ready for June. Send us a message or click the link in our bio to speak with an adviser.

Address

6 Primrose Street
Alloa
FK101JG

Telephone

+441259212337

Website

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